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Car Finance

Specialists in Car Finance

We can get you closer to your dream car. Learn more about our financing options here.

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Finance Solutions

Hire Purchase
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Refinance & Equity Release
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Why Use a Car Finance Broker in 2026

Discover how a finance broker can help access competitive rates, tailored finance solutions, and expert guidance.

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Business Finance

Specialists in Business Finance

Unsure what you’re looking for? Find out what we offer in more depth here.

Asset Finance & Leasing

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Commercial Mortgages
Investment Mortgages

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Supply Chain Finance
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Revolving Credit Facilities
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Business Finance 8 min read

Why Use a Commercial Finance Broker in 2026

Whether you're seeking assets, expansion or managing cash flow, a business finance broker can make all the difference.

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Sectors

Our Industry Sectors

We work with a variety of industries, choose yours to see how we can help.

Industries

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Popular Finance Solutions

Hire Purchase
Finance Lease
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GGS Guide (1)
Business Finance 9 min read

Complete Guide to the Growth Guarantee Scheme (GGS)

Access loans up to £2m with a 70% government guarantee.

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About Us

About Us

Who are Charles & Dean? Find out more about us here.

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Fix Auto Partnership Announcement (4)
Partnership 3 min read

Introducing Our New Partnership with Fix Auto UK

Charles & Dean have partnered with Fix Auto to provide Franchise Partners with access to flexible, specialist funding.

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News & Resources
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Home Business Finance Investment Mortgages

Investment Mortgages

Flexible property finance to help you purchase or refinance investment properties, supporting rental income and long-term portfolio growth.

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No Obligation Enquiry

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Tailored Broker Support

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Wide Panel of Lenders

Key Takeaways

We know you’re busy, so we’ve put an overview together for you

  • Fund residential, commercial, or mixed-use investment properties
  • Interest-only or repayment options available for cash flow flexibility
  • Typically requires a 20-40% deposit depending on asset and experience
  • Designed to support portfolio growth and long-term investment strategy

How Do Investment Mortgages Work?

Let's take a look at how Residential and Commercial Investment Mortgages work step by step

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Property Assessment

We assess the property, rental potential, and your financial position. Lenders typically require a deposit of 20-40%, with terms based on your experience and the asset type.

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Structuring the Mortgage

Choose between interest-only or capital repayment options. The structure is tailored to your rental income, cash flow goals, and overall investment strategy.

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Ongoing Portfolio Growth

Once in place, your mortgage can support future acquisitions or refinancing. We help you optimise your portfolio and identify opportunities to release equity.

Is An Investment Mortgage Right For You?

Investment mortgages are ideal for individuals and businesses looking to grow a property portfolio using leverage. They offer flexibility and scalability, but also require careful planning around cash flow, risk, and market conditions.

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This product might be right for you if...

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You want to generate income through rental properties

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You’re looking to expand or refinance a property portfolio

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You understand property investment risks and returns

This product might not be right for you if...

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You need short-term or low-commitment finance

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You’re unable to meet deposit or rental coverage requirements

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You prefer fully passive or low-risk investment options

Charles & Dean does not provide financial advice. Please consult your accountant or financial adviser before making a decision.

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Our Funding Process

  • 1

    Discuss Your Funding Requirements

    Talk to one of our Commercial Property Finance Specialists so we can understand your business, goals, and funding needs

  • 2

    Review & Present Your Application

    We gather the required documentation and review your circumstances, then present your application to our panel of lenders to identify the most suitable funding solution.

  • 3

    Get Your Funding

    Once your finance is approved, we work with you and the lender to ensure you can access your funds as quickly as possible.

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What To Do Next

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Get a Quote

Fill in the form at the top of the page and one of our team will call you back in as little as 10 minutes to discuss your quote.

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Call Us Now

Our Finance Specialists are available and happy to help you 9am-5:30pm Monday to Friday.

01780 763836
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Read Our FAQs

Still have questions about Investment Mortgages? We may have the answer within our FAQs.

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Why Use Charles & Dean?

A few reasons why you should choose us to help with your Investment Mortgage

Why Us 1

Tailored Investment Plans

We take the time to understand your goals and structure funding that aligns with your strategy, whether you're acquiring a single property or scaling a large portfolio.

Why Us 2

End-to-End Support

From initial enquiry through to completion and beyond, we manage the process and provide ongoing support to help you grow and optimise your investments.

Why Us 3

Access to Specialist Lenders

We work with a wide panel of lenders, including specialist providers, to secure competitive rates and flexible terms suited to your property type and experience.

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Our FAQs

Common questions about Residential and Commercial Investment Mortgages answered. If you have a question and you can’t see it listed, please call us on 01780 763836 and one of our team will be able to help you.

What deposit do I need for an investment mortgage?

Typically between 20-40% of the property value, depending on the asset type, lender criteria, and your experience as a property investor.

How is rental income assessed?

Lenders usually require rental income to cover 110-130% of mortgage payments, based on a professional valuation and market conditions.

Can I use an investment mortgage for commercial property?

Yes, investment mortgages can fund commercial assets such as offices, retail units, and warehouses, often with slightly different criteria.

How many properties can I finance?

There’s no fixed limit, but lenders assess your portfolio size, financial strength, and experience. Specialist lenders can support larger portfolios.